Why Pre-Qualify?

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It can be helpful to visit with a mortgage loan pro first, even if you haven't settled on the sort of home you hope to find. What for? It might be difficult to fathom the ways we can help even before you begin to talk about prices and negotiations.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you determine the amount in monthly payments you can fit in your budget, and the loan amount you can qualify for. We do this by analyzing your income and debts, your employment and residence circumstances, the funds available for a down payment, required reserves, and other considerations. It is a quick, thorough process with minimal risks for papercuts.

Once you qualify, will present to you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that states that we are helping you to find the best loan program to fit your financial needs and that we are confident you'll qualify for a mortgage for a certain amount.

Buying Clout

Once you locate the house that is ideal for you, and you want to make an offer, being pre-qualified for a mortgage loan will do a couple of things. First, you have some concrete numbers in mind, as the total you will qualify for on your mortgage loan. Even more important to the seller, your pre-qualification gives them confidence - as if you had entered their house with a big box of cash to make the offer! They will not need to worry that that they are wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller of the home won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to fret over. You have the clout of a buyer ready to make the deal on the spot!

We will help you pre-qualify

Our mortgage professionals will help you calculate how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We can achieve this by reviewing your income and debts, your employment and residence situations, the available funds for a down payment, required reserves, and other financial considerations. It's quick and basic; and we take pride in keeping the paperwork light.

Face to Face

It is important to sit down and talk with us, even though you are welcome to also try the helpful mortgage loan calculators on our site. For one thing, you'll want a Pre-Qualification Letter! Next, we can consider your mortgage program choices to make sure you are in the right one. Contact us at 9094671090 to get started.

Have questions about pre-qualifying? Call us at 9094671090. It's our job to answer pre-qualification questions, so we're happy to help!